Requirements for handling provident fund loans:
First, the provident fund loan application conditions:
1. Have the household registration or valid residence certificate of the local town;
2. The housing accumulation fund has been paid for more than six months for more than half a year, and the time for paying the accumulation fund is longer than 1 year;
3. The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
4. Have the ability to repay the principal and interest of the loan, work fairly, have a formal occupation, have a good economy and have a stable income;
5. Signed a house purchase contract or agreement;
6. Meet other certification conditions stipulated by the trustor and the trustee.
Two, apply for provident fund loans materials are:
1. Fill in the personal loan application form for housing provident fund truthfully;
2. Second-generation identity documents, resident identity cards, marriage certificates, household registration books or other identification documents;
3 units issued by the borrower's stable economic income or other solvency certificate;
4. Legitimate and effective procurement contracts, agreements or other approval documents;
5. Proof of collateral, proof of ownership of collateral, and proof that the borrower agrees to use it as collateral;
6. Collateral appraisal report issued by real estate appraisal agency recognized by housing provident fund management department;
7. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;
8. Relevant certificates of self-raised funds used by the borrower to pay the down payment for house purchase;
9 other valid documents and materials stipulated by the housing provident fund management department.